NE16 Whickham, Sunniside, Burnopfield cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £160,800
Input Equity (£40,200)
Total Input Equity (£40,200)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £160,800 £160,800 £160,800 £160,800 £160,800 £160,800 £160,800 £160,800 £160,800 £160,800 £160,800 £160,800
Finance Amount £120,600 £120,600 £116,997 £113,210 £109,230 £105,045 £100,647 £96,023 £91,163 £86,054 £80,684 £75,039
Monthly Mortgage   (£796) (£796) (£796) (£796) (£796) (£796) (£796) (£796) (£796) (£796) (£796)
Monthly Rental   £532 £532 £532 £532 £532 £532 £532 £532 £532 £532 £532
Yield to Purchase Price %   3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97%
Yield to Property Value %   3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97% 3.97%
Gross Monthly Cashflow   (£264) (£264) (£264) (£264) (£264) (£264) (£264) (£264) (£264) (£264) (£264)
Gross Annual Cashflow   (£3,170) (£3,170) (£3,170) (£3,170) (£3,170) (£3,170) (£3,170) (£3,170) (£3,170) (£3,170) (£3,170)
Gross Annual Expenses                        
Annual Management Expenses   (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357)
Gross Annual Cashflow less Expenses   (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489)
Vacancy Expenses                        
Net Annual Cashflow   (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489)
Net Yield %   (2.17%) (2.17%) (2.17%) (2.17%) (2.17%) (2.17%) (2.17%) (2.17%) (2.17%) (2.17%) (2.17%)
Debt Coverage Ratio (1:x)   0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63
Personal Equity £40,200 £40,200 £43,803 £47,590 £51,570 £55,755 £60,153 £64,777 £69,637 £74,746 £80,116 £85,761
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£3,528) £75 £3,862 £7,843 £12,027 £16,426 £21,049 £25,910 £31,018 £36,388 £42,033
Return on Investment %   (8.78%) 0.19% 9.61% 19.51% 29.92% 40.86% 52.36% 64.45% 77.16% 90.52% 104.56%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£3,528) £74 £3,709 £7,382 £11,094 £14,848 £18,646 £22,493 £26,389 £30,339 £34,344
Real Return on Investment %   (8.78%) 0.18% 9.23% 18.36% 27.60% 36.93% 46.38% 55.95% 65.64% 75.47% 85.43%